Why this page exists
HandyPebble is built and maintained by one person. I test the tools, review the wording, and improve problems when I find them. Even careful work can contain mistakes, though, and a simple browser tool cannot know every detail of your situation. This disclaimer is here to be honest about that—not to hide an important limitation in fine print.
General information only
The tools, calculators, estimates, guides, and other content on HandyPebble are provided for general informational and educational purposes only. Results are estimates, are not binding, and do not constitute tax, legal, financial, investment, medical, or other professional advice.
They are not a substitute for advice from a qualified professional or information from the appropriate government agency or other official source.
Estimates can differ from real outcomes
I take reasonable care when preparing and reviewing these tools and their content. However, I cannot promise that every calculation, formula, guide, or result will always be accurate, complete, reliable, or current.
Laws, rates, limits, standards, and official calculation methods may change. Rounding, simplified formulas, assumptions, and the information entered by the user may cause results to differ from actual, official, contractual, or individual outcomes.
Official results take precedence
Official determinations, notices, agreements, and calculations issued by government agencies, financial institutions, employers, insurers, courts, or qualified professionals take precedence over results provided by this website.
You remain responsible for your decisions
You use HandyPebble and its results at your own risk and remain responsible for decisions you make based on them. Review the inputs, assumptions, and limitations shown by the individual tool before relying on a result.
Limits of liability
To the fullest extent permitted by applicable law, HandyPebble and its owner will not be liable for any loss or damage arising from the use of, reliance on, or inability to use this website or its results. Nothing in this disclaimer limits or excludes liability that cannot legally be limited or excluded.
No professional relationship
Using this website does not create a professional, advisory, fiduciary, doctor-patient, attorney-client, or similar relationship.
Questions or corrections
If a tool appears unclear or incorrect, please tell me. I would rather know about a problem and fix it.